互联网金融对传统金融的挑战

The Challenge of Internet Finance to Traditional Finance

以互联网支付、P2P网络借贷、第三方支付和众筹融资为代表的互联网金融是金融模式、金融理念、金融运营方法的创新。随着互联网金融的发展,未来将出现一种不同于传统间接融资和直接融资的具有革命性的新型金融,对传统金融带来很大的挑战,带来了新的竞争,同时也催生了新的合作。商业银行要尽快转型,利用自己客户、网络、信息及征信体系完善的优势,大力发展互联网金融。这将大大促进金融机构综合发展,推动传统金融企业的市场化。监管机构则要强化对互联网金融的监管,保障互联网金融健康规范发展,防范互联网金融风险。

Internet finance, represented by Internet payment, P2 P network lending, third-party payment and crowd funding, is an innovation of financial mode, financial concept, financial operation pattern. With the development of Internet finance, a revolutionary and new type of finance, different from the traditional indirect-financing and direct-financing, will form in the future. It is a great challenge to traditional finance, and results in new competition and new cooperation. Commercial banks should promote the transition as soon as possible, and make use of advantages in customers, networks, information and perfect credit system to develop Internet finance, which will promote the development of comprehensive financial institution and the marketization of traditional financial enterprises. Regulatory institutions should strengthen the supervision of Internet finance to ensure the healthy development of Internet finance and prevent the risks of Internet finance.